REQUESTED DOCUMENTS

Documents needed to buy a home.

Applying for a mortgage soon?

START PREPPING YOUR DOCUMENTS!

The mortgage process can be stressful, so why not plan ahead! Taking some time to prepare and collect your documents is a smart move, but what documents will you actually need? 

We can help! Below is a list of documents you can expect to supply your local mortgage lender. Remember we are here to assist in navigating the process, so if you have any questions along the way, don't hesitate to ask us!

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INITIAL DOCUMENTS

  • Photo ID: Valid Driver’s License, state ID, social security card, passport, or permanent resident visa/green card (2 forms of ID required)

  • Personal Federal Tax Returns (all pages of Forms 1040): Last two years

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CURRENT ASSET STATEMENTS

  • Checking/Savings/CD

  • Stocks/Bonds/Money Market

  • IRA/401k*

*Source of funds documentation for any

large deposits on asset or bank statements

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INCOME & EMPLOYMENT

  • Complete 2 years employment history

  • Paystubs for most recent 30 days

  • W-2s, 1099, K-1s: Last 2 years

  • Federal Tax Returns with all schedules (2 years)

  • Your Employer’s Human Resources contact information

  • Award Letters/Decrees: Most recent

  • Social Security, pension/retirement, disability, divorce decree (if applicable)

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MORE

  • VA Only: DD-214: Member 4 copy, all pages (Former Military) or Statement of

  • Service (Active Military)

  • Child Support Order: Last 6 months (include amount per month and children’s ages)

  • Alimony (include amount per month and how long left to pay)

  • If you’re renting /leasing, include your landlord’s contact information

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CURRENTLY OWN PROPERTY

  • Mortgage Statement: Most recent statement(s) for all liens against all properties owned - all pages

  • Homeowner’s Insurance Declarations Page: Most recent for all properties owned (if applicable)

  • HOA Dues Statement

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SELF EMPLOYED

  • Business Federal Tax Returns for the last 2 years (all pages of Forms 1120, 1120S, or 1065 depending on self-employed business structure if applicable)

  • A year-to-date profit and loss statement

  • A complete list of all business debts

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UNDER CONTRACT

  • Fully Executed Sales Contract

  • Homeowner’s Insurance Quote for New Home

  • Earnest Money Deposit: If included in contract, please provide a copy of the canceled check used as well as a transaction history showing the funds have been withdrawn if a bank statement provided does not include it.”

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CREDIT INFORMATION

  • A letter of explanation for any late payments, judgments, collections or other derogatory credit history items

  • The judicial decree or court order of each obligation due to legal action

  • Bankruptcy/discharge papers for all bankruptcies in your credit history

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GIFT LETTERS

  • Acceptable gifts may come from relatives, non-profit organizations, and government entities. Gift letters must be filled out and signed by all parties.

Still Have Questions?

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